It is best to buy commercial medical insurance after buying medical insurance. Medical insurance is the most basic guarantee and the government's welfare policy for the people. The price is cheap and there are no insurance restrictions, so almost anyone can buy it. Commercial medical insurance is a supplement to medical insurance, and its coverage includes some items that cannot be reimbursed by medical insurance, such as reimbursement of imported drugs and reimbursement of high-end medical expenses.
There are many kinds of medical insurance, among which millions of medical insurance, hospitalization medical insurance and cancer prevention medical insurance are common.
Let's talk about these three functions:
1, millions of medical insurance
The vast majority of people are suitable to buy millions of medical insurance, because it is low in price, high in reimbursement amount, and there is no limit to the types of diseases reimbursed. You can get hundreds of reimbursement by paying hundreds of dollars a year, which is very cost-effective. Moreover, the coverage of millions of medical insurance is very comprehensive, such as bed fee, nursing fee, operation fee, medicine fee and material fee. , can be reimbursed.
Next, I will analyze several popular millions of medical insurance for you:
From the picture, we can know that.
(1) Good medical insurance: Its biggest highlight is the 6-year renewal guarantee, which is unmatched by many products. In these six years, no matter whether the claim has been completed, no matter whether the health has changed, no matter whether the product has stopped selling, the warranty can be renewed.
(2) Enjoy E-health: increase postoperative home care, special medical services for cancer, and increase the option of family deductible.
(3) Micro-medical insurance: Compared with the other two models, this model adds a value-added service: international secondary diagnosis and treatment. You can get professional written medical advice from international doctors.
From the above analysis, we can know that each product has its own characteristics. When choosing products, you should choose according to your own needs.
In addition to these models, there are many millions of medical insurance products worth buying. The original evaluation of the product is here. If necessary, you can have a look: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
2. Hospitalization medical insurance
Low deductible and minimum living allowance are the main characteristics of hospitalization medical insurance. This kind of insurance is mainly used for outpatient reimbursement, which is more suitable for babies under 5 years old or the elderly. Because babies and the elderly have poor immunity, it is easy to get some minor problems. Comparatively speaking, they play a greater role in purchasing this insurance.
3. Cancer medical insurance
Because most hospitalization medical insurance and millions of medical insurance are limited to 0-65 years old, the elderly can not be insured, but can be insured against cancer.
Anti-cancer medical insurance is a kind of health insurance specially designed for cancer, which has the characteristics of loose health information and wide insurance age. If the elderly or people with slight physical problems buy medical insurance, it is more appropriate to buy this.
This price is greatly influenced by physical fitness and age. Here are some anti-cancer medical insurance products worth buying. You can make a reference: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020